/* Pensiones.org — look & feel navy editorial (estilo estudiosactuariales.com) */
:root{
  --navy:#0A2540; --navy-2:#0E2F52; --navy-3:#143a63;
  --ink:#1a2433; --muted:#5b6878; --line:#e4e9f0;
  --bg:#ffffff; --bg-soft:#f5f8fc; --bg-card:#ffffff;
  --gold:#C9A227; --gold-soft:#f3e7bf;
  --teal:#1F8A70; --teal-soft:#e3f3ee;
  --blue:#1d6fe0; --shadow:0 8px 30px rgba(10,37,64,.08);
  --radius:14px; --maxw:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 22px}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%}
h1,h2,h3,h4{line-height:1.25;color:var(--navy);font-weight:800;letter-spacing:-.01em}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(10,37,64,.97);backdrop-filter:blur(8px);border-bottom:1px solid rgba(255,255,255,.08)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:#fff;font-size:1.15rem}
.brand:hover{text-decoration:none}
.brand-mark{display:grid;place-items:center;width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--gold),#e6c450);color:var(--navy);font-weight:900}
.brand-text .dot{color:var(--gold)}
.main-nav{display:flex;gap:6px}
.main-nav a{color:#d7e2f0;padding:8px 12px;border-radius:8px;font-size:.95rem;font-weight:500}
.main-nav a:hover{background:rgba(255,255,255,.10);color:#fff;text-decoration:none}
.nav-toggle{display:none;background:none;border:0;color:#fff;font-size:1.5rem;cursor:pointer}
@media(max-width:840px){
  .nav-toggle{display:block}
  .main-nav{position:absolute;top:64px;left:0;right:0;flex-direction:column;background:var(--navy);padding:10px 16px;display:none;border-bottom:1px solid rgba(255,255,255,.1)}
  body.nav-open .main-nav{display:flex}
}

/* Hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 60%,var(--navy-3) 100%);color:#fff;padding:70px 0 80px}
.hero .eyebrow{display:inline-block;font-size:.8rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);background:rgba(201,162,39,.12);padding:6px 14px;border-radius:30px;margin-bottom:18px}
.hero h1{color:#fff;font-size:2.7rem;margin:0 0 18px;max-width:18ch}
.hero p.lead{color:#c8d6e8;font-size:1.18rem;max-width:60ch;margin:0 0 26px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;padding:13px 24px;border-radius:10px;font-weight:600;font-size:1rem;cursor:pointer;border:1px solid transparent}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:#dab73a;text-decoration:none}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.3)}
.btn-ghost:hover{background:rgba(255,255,255,.1);text-decoration:none}
@media(max-width:700px){.hero h1{font-size:2rem}}

/* Sections */
section.block{padding:54px 0}
.bg-soft{background:var(--bg-soft)}
.section-head{max-width:62ch;margin-bottom:30px}
.section-head .kicker{color:var(--teal);font-weight:700;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase}
.section-head h2{font-size:2rem;margin:.3rem 0 .5rem}
.section-head p{color:var(--muted);margin:0;font-size:1.05rem}

/* Card grid */
.grid{display:grid;gap:22px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
@media(max-width:900px){.grid-3{grid-template-columns:repeat(2,1fr)}}
@media(max-width:640px){.grid-3,.grid-2{grid-template-columns:1fr}}
.card{background:var(--bg-card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow);transition:transform .15s,box-shadow .15s;display:flex;flex-direction:column}
.card:hover{transform:translateY(-3px);box-shadow:0 14px 40px rgba(10,37,64,.14)}
.card .tag{align-self:flex-start;font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;padding:4px 10px;border-radius:20px;margin-bottom:12px}
.tag.mx{background:var(--teal-soft);color:var(--teal)}
.tag.world{background:#e6effb;color:var(--blue)}
.tag.guide{background:var(--gold-soft);color:#8a6d10}
.card h3{font-size:1.18rem;margin:0 0 8px}
.card p{color:var(--muted);font-size:.96rem;margin:0 0 16px;flex:1}
.card .read{font-weight:600;color:var(--blue);font-size:.92rem}

/* Trust bar */
.trust{background:var(--navy);color:#cdd9e8;padding:18px 0}
.trust .wrap{display:flex;flex-wrap:wrap;gap:10px 26px;justify-content:center;font-size:.85rem;align-items:center}
.trust b{color:var(--gold)}

/* Article */
.article-wrap{max-width:760px;margin:0 auto;padding:42px 22px 20px}
.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:14px}
.article-wrap h1{font-size:2.25rem;margin:.2rem 0 10px}
.article-meta{color:var(--muted);font-size:.9rem;margin-bottom:8px;border-bottom:1px solid var(--line);padding-bottom:20px}
.article-body{font-size:1.07rem}
.article-body h2{font-size:1.5rem;margin:2rem 0 .7rem}
.article-body h3{font-size:1.2rem;margin:1.5rem 0 .5rem}
.article-body p{margin:0 0 1.05rem}
.article-body ul,.article-body ol{margin:0 0 1.1rem;padding-left:1.3rem}
.article-body li{margin-bottom:.5rem}
.article-body table{width:100%;border-collapse:collapse;margin:1.2rem 0;font-size:.95rem}
.article-body th,.article-body td{border:1px solid var(--line);padding:10px 12px;text-align:left}
.article-body th{background:var(--bg-soft);color:var(--navy);font-weight:700}
.article-body blockquote{margin:1.4rem 0;padding:14px 20px;border-left:4px solid var(--gold);background:var(--bg-soft);border-radius:0 8px 8px 0;color:var(--ink)}
.callout{background:var(--teal-soft);border:1px solid #bfe3d8;border-radius:12px;padding:18px 20px;margin:1.6rem 0}
.callout strong{color:var(--teal)}
.keyfacts{background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;padding:20px 22px;margin:1.4rem 0}
.keyfacts h4{margin:0 0 10px;color:var(--navy)}
.related{margin:40px auto;max-width:760px;padding:0 22px}
.related h3{font-size:1.15rem;border-top:1px solid var(--line);padding-top:24px}
.related a{display:block;padding:8px 0}

/* Ads */
.ad-wrap{margin:30px auto;text-align:center;max-width:760px;padding:0 22px}
.ad-label{display:block;font-size:.66rem;letter-spacing:.12em;text-transform:uppercase;color:#a7b2c0;margin-bottom:6px}

/* Footer */
.site-footer{background:var(--navy);color:#aebcce;padding:50px 0 26px;margin-top:30px;font-size:.92rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
@media(max-width:820px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.foot-grid{grid-template-columns:1fr}}
.foot-col h4{color:#fff;font-size:.95rem;margin:0 0 12px}
.foot-col a{display:block;color:#aebcce;padding:4px 0;font-size:.9rem}
.foot-col a:hover{color:var(--gold);text-decoration:none}
.foot-col p{color:#8fa0b5;font-size:.88rem;margin:0}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:18px}
.foot-bottom p{color:#8294aa;font-size:.82rem;margin:0}

/* Legal pages */
.legal{max-width:780px;margin:0 auto;padding:42px 22px}
.legal h1{font-size:2rem}
.legal h2{font-size:1.3rem;margin-top:1.8rem}
.legal p,.legal li{color:var(--ink)}
.legal{font-size:1.02rem}